Patents Assigned to Service
  • Patent number: 12069176
    Abstract: A method is disclosed. The method includes transmitting, to a token service computer, a request message comprising a token requestor identifier associated with the token requestor and a service provider computer identifier associated with the service provider computer. The method also includes receiving a response message comprising the token and/or a cryptogram, generating an authorization request message comprising the token and the cryptogram, and transmitting the authorization request message to a processing computer in communication with a token service computer.
    Type: Grant
    Filed: December 11, 2020
    Date of Patent: August 20, 2024
    Assignee: Visa International Service Association
    Inventors: Raul Leyva, Pinesh Roy
  • Patent number: 12065798
    Abstract: A system for monitoring shifting of a structure includes one or more hardware processors. The system also includes a non-transitory memory, the non-transitory memory storing instructions that, when executed by the one or hardware processors, causes the one or more hardware processors to perform actions. The actions include monitoring the structure for a shift in elevation in a portion of the structure. The actions also include receiving, from a first plurality of sensors, feedback related to a condition of a foundation of a structure. The actions further include determining whether a portion of the foundation of the structure has shifted in elevation based on the feedback. The actions still further include providing a notification when the portion of the structure has shifted in elevation.
    Type: Grant
    Filed: February 23, 2022
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Justin Royell Nash, Gregory David Hansen, Nathan Lee Post, Jose L. Romero, Jr., Andre Rene Buentello, Brian Francisco Shipley
  • Patent number: 12067026
    Abstract: A method, apparatus, and computer-readable medium are described that provide integrated testing and validation of multi-phase instructions before deployment. Aspects of the disclosure relate to testing ETL instructions using an efficient process that individually and/or holistically validates the ETL instructions and, using a random number generator, varies various aspects of the source datasets. A benefit of running the combination of instructions includes finding errors that are not apparent during testing of each instruction phase separately. Instructions may be separately provided that identify the framework of an in-memory source dataset (e.g., a quantity of rows, a quantity of columns, types of the various columns, data for each record, and the like). The instructions for the framework may also identify a variability of one or more of the items of the framework.
    Type: Grant
    Filed: August 19, 2022
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Anil Konduru, Amit Ramesh Deshpande, Dillon Forsberg, Anvitha Banakal Sadananda, Jameskutty Mony
  • Patent number: 12069037
    Abstract: Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account.
    Type: Grant
    Filed: May 2, 2023
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew de Ganon, Kunal Arora, Thomas Poole, Daniel Kahn, Dwij Trivedi, Paul Moreton
  • Patent number: 12065886
    Abstract: Various shaped cutters are disclosed for use on a drill bit or other wellbore forming tool. In one aspect, the shaped cutter includes a plurality of radial ridge sets. Each radial ridge set includes a plurality of ridges radially extending along the cutting table between a periphery of the cutting table and the cutter axis. The cutter may be positioned on the drill bit with one of the radial ridge sets exposed to the formation so the ridges may generate multiple cracks in the formation while drilling. After the current radial ridge set becomes worn, the cutter may be repositioned on the drill bit to expose another one of the radial ridge sets, such as during a repair, refurbish, or maintenance operation. The plurality of ridges may also exploit vibrations in the drill string to enhance rock failure.
    Type: Grant
    Filed: September 29, 2022
    Date of Patent: August 20, 2024
    Assignee: Halliburton Energy Services, Inc.
    Inventor: Shilin Chen
  • Patent number: 12067627
    Abstract: Systems and methods monitor at least one of a first amount of time a vehicle operator is in active control of a vehicle during a period and a second amount of time that the vehicle operates autonomously during the period. The systems and methods further calculate an insurance rate based on the first amount of time and the second amount of time.
    Type: Grant
    Filed: September 16, 2022
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Bradly Jay Billman, Ewan Richard Grantham, Jr.
  • Patent number: 12067589
    Abstract: A device may receive, from account entity devices, sets of transaction data for transactions between merchants and customers, and may use a first machine learning model to assign the customers to clusters based on measures of similarity among the sets of transaction data. The device may determine travel-related data items in a set of transaction data, of the sets of transaction data, associated with a set of customers assigned to a particular cluster, and may use a second machine learning model to identify a travel experience that has a threshold likelihood of being of interest to the set of customers. The device may receive offers relating to the travel experience, and may provide, to customer devices associated with customers of the set of customers, travel offer packages that include at least one of the offers relating to the travel experience.
    Type: Grant
    Filed: February 18, 2022
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Matthew Reedy, Andrew Marr, Lin Ward, Noble Ozoka
  • Patent number: 12069554
    Abstract: A method and system of providing guidance and information to an end-user during an emergency situation. A network of one or more enrolled devices can obtain infrared data that will be used by the system to determine whether there is a high likelihood of a fire in a building. When an emergency situation such as a fire is detected, alerts can be generated at the enrolled devices that provide navigation cues based on user preferences and suggested evacuation routes to safely guide the end-user to the nearest designated exit.
    Type: Grant
    Filed: February 13, 2023
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Christopher Russell, Gregory David Hansen, Nathan Lee Post, Ashley Raine Philbrick, Nolan Serrao, Ruthie D. Lyle, Pooja Krishnaswamy, Noemy Diosdado
  • Patent number: 12067616
    Abstract: This disclosure relates generally to systems and methods for providing personalized financing information and, more particularly, systems and methods for providing personalized financing information via a dealership website using an API associated with a financial service provider. In one embodiment, a system includes memory hardware storing instructions that configure processing hardware to receive a loan request for a buyer via a real-time API that includes at least buyer identification and financial information and information associated at least one inventory item presented on a dealership website. The system may also determine financing information comprising prospective financing terms for the at least one item based on at least the loan request. The server may also provide, to the dealership server via the real-time API, the determined financing information for presentation on the dealership website, including prospective financing terms information corresponding to each of the at least one item.
    Type: Grant
    Filed: November 28, 2022
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Katherine Forrester, Nicholas Dolle, Xiaoxiang Zhang, Kurt Johnson, Jeffrey Whalen, David Gray, Shaun Webb, Maninder Suri, Ruhaab Markas
  • Patent number: 12065391
    Abstract: Reaction products and methods for making and using such reaction products are provided. For example, a reaction product comprising an adduct formed from urea, formaldehyde, and a urease inhibitor is described, which can be provided in various forms. For example, such a reaction product can be in the form of a solid or solution. Such a reaction product can also be combined with one or more additional components, including but not limited to, additional urease inhibitor and/or a nitrogen-based fertilizer composition.
    Type: Grant
    Filed: September 13, 2021
    Date of Patent: August 20, 2024
    Assignee: Koch Agronomic Services, LLC
    Inventors: Douglas Barr, Ethel Garnier, Kwame Owusu-Adom
  • Patent number: 12067513
    Abstract: Systems and methods for change management are provided. An electronic product and/or service provisioning system is tracked as a function of experiences. Changes are implemented at a process level, where two or more processes make up an experience.
    Type: Grant
    Filed: November 30, 2021
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Chalice Michelle-Burcham Jones, Leslie Anne Dowling, Jon Paul Vincent, Carl Clinton Liebert, III, Paige Spiers Gorman
  • Patent number: 12067125
    Abstract: Methods and systems described herein are directed to measuring cybersecurity vulnerability management programs and readiness. A vulnerability management program evaluation system can define vulnerability management capabilities and technologies supporting execution of those capabilities. Once defined, the system can conduct an initial assessment including scoring for the capabilities representing a depth of vulnerability management, as well as scoring for the technologies representing a breadth of vulnerability management. To update the initial assessment, the system can track the ongoing progress of projects that can affect the depth and/or breadth of vulnerability management, and then recalculate the scoring. At any time, the system can combine the depth and breadth to determine a comprehensive vulnerability management score.
    Type: Grant
    Filed: April 11, 2022
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventor: Michael Emil Lonigro
  • Patent number: 12067100
    Abstract: A dual wearable smart device system and a method of using the dual wearable smart device system for authenticating an electronic financial transaction are described. In one embodiment, a method for approving an electronic financial transaction using at least two wearable smart devices includes providing a first wearable smart device that is designated as a payment device for conducting electronic financial transactions. The method also includes providing a second wearable smart device that is designated as a confirmation device for confirming the electronic financial transactions by the first wearable smart device. The method includes initiating, by the first wearable smart device, an electronic financial transaction, and, approving, by the second wearable smart device, the electronic financial transaction initiated by the first wearable smart device. The method further includes authenticating the first wearable smart device to complete the electronic financial transaction.
    Type: Grant
    Filed: August 7, 2023
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Kelly Q. Baker, William Preston Culbertson, II, Will Kerns Maney, Jr., Gregory David Hansen, Jerry John Maestas, Oscar Guerra, Gregory Brian Meyer, Ana Maldonado, Michelle Susan Croak, Andre Rene Buentello, Stacy Callaway Huggar, Jose L. Romero, Jr.
  • Patent number: 12065910
    Abstract: Provided is a multilateral junction and a well system. The multilateral junction, in one aspect, includes a housing, the housing including a first housing end and a second housing end, a bore extending through the housing from the first housing end to the second housing end, and a toothed coupling profile located along an inside surface of the bore proximate the second housing end. The multilateral junction, according to this aspect, further includes a multilateral bore leg extending into the bore, the multilateral bore leg including a tubular having a first tubular end and a second tubular end. The multilateral junction, according to this aspect, further includes a toothed coupling located between the bore and the tubular and engaged with the toothed coupling profile and the tubular to axially fix the housing and the multilateral bore leg relative to one another.
    Type: Grant
    Filed: September 7, 2022
    Date of Patent: August 20, 2024
    Assignee: Halliburton Energy Services, Inc.
    Inventors: Ibrahim El Mallawany, Jamie Revelle Weber
  • Patent number: 12067968
    Abstract: In some implementations, a system may receive an audio stream associated with a call between a user and an agent. The system may process, by the device and using a speech alteration model, speech from a first channel of the audio stream to alter the speech from having a first speech characteristic to having a second speech characteristic, wherein the speech alteration model is trained based on reference audio data associated with the first speech characteristic and the second speech characteristic and based on reference speech data associated with the first speech characteristic and the second speech characteristic. The system may extract the speech from the first channel that has the first speech characteristic. The system may provide, within a second channel of the audio stream, altered speech that corresponds to the speech and that has the first speech characteristic.
    Type: Grant
    Filed: August 30, 2021
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Tasneem Adamjee, Lin Ni Lisa Cheng, Tyler Maiman, Yichen Zhang
  • Patent number: 12068974
    Abstract: Methods and systems are for a content delivery management platform that organizes and monitors content delivery networks by the applications, features, or functions that they serve. The content delivery management platform is agnostic to the content delivery network. To provide this functionality, the content delivery management platform uses an abstraction layer to interface between the content delivery networks and the needs of the content provider (e.g., the owner of the content delivery management platform) as it serves users (e.g., provides the applications, features, or functions).
    Type: Grant
    Filed: August 23, 2023
    Date of Patent: August 20, 2024
    Assignee: Capital One Services, LLC
    Inventors: Jose Maldonado Arjona, Amelia Neil, Sean Finney, Timothy Shull, Ahmed Mustafa, Nithya Lakshminarayanan
  • Patent number: 12065315
    Abstract: Disclosed herein are systems, methods, and apparatuses for locating, engaging, and shifting objects. The systems may be used to unload objects from a storage space, e.g., inside a vehicle or facility, including one associated with a logistics network operation. The systems disclosed herein may operate in automated or semi-automated fashion, e.g., at the direction of a control system associated with a computing device. The systems may further utilize shifter mechanisms that each include one or more belt-driven mechanisms and position-changing mechanisms that facilitate the locating, engaging, and shifting of objects in a storage space. The components of these systems may operate independently, or in coordination, thereby increasing the efficiency of an object-handling operation.
    Type: Grant
    Filed: April 24, 2023
    Date of Patent: August 20, 2024
    Assignee: United Parcel Service of America, Inc.
    Inventors: Julio Gil, Julian Leland Bell, Youngjun Choi
  • Patent number: 12067881
    Abstract: Safety for bicyclists while travelling on a road near to certain motor vehicles is achieved through the use of systems and methods that communicate the physical location of the bicyclist in relation to the motor vehicle. The systems and methods allow a bicyclist to generate a “safety bubble” of an exclusion zone set of location coordinates. The motor vehicle is automatically prompted to navigate away from the exclusion zone. The exclusion zone of location coordinates may be generated based on the bicyclist user's preferences, as well as legal data and road data. By drawing from these several parameters, the exclusion zone may be sized and located so as to best meet the bicyclist's need without unduly impacting traffic flow.
    Type: Grant
    Filed: September 24, 2021
    Date of Patent: August 20, 2024
    Assignee: United Services Automobile Association (USAA)
    Inventors: Yevgeniy Viatcheslavovich Khmelev, Christopher Russell, Gregory David Hansen, Nathan Lee Post, Ashley Raine Philbrick, Nolan Serrao, Ruthie D. Lyle, Pooja Krishnaswamy, Noemy Diosdado
  • Patent number: 12067605
    Abstract: A system may a processor that may receive image data of a vehicle via one or more image sensors and retrieve vehicle data regarding the vehicle from a vehicle database based on the image data. The vehicle database may include a first set of data regarding a plurality of vehicles. The processor may then retrieve financial data regarding a user from a financial database, such that the financial database includes a second set of data regarding financial information concerning the user. The processor may then determine one or more financial products associated with a purchase of the vehicle, generate one or more visualizations representative of the one or more financial products, and modify the image data depicted on a display to include the one or more visualizations.
    Type: Grant
    Filed: May 5, 2021
    Date of Patent: August 20, 2024
    Assignee: United Service Automobile Association (USAA)
    Inventors: Gary Don Bourn, Adrian Borunda, Josh Jason Medrano, Cale Riley Spratt, Austin Ray Graham, Doyle Russell Dennis, Jr., Kre-Sante Dior Gordon
  • Patent number: 12069182
    Abstract: A system for protecting personal information uses a challenge and an encrypted copy of the challenge in the form of a message authentication code (MAC) to provide authentication among multiple parties. The challenge is received by a first party from a second party. The challenge is encrypted by the first party to form the MAC and then both the challenge and the MAC are returned to the second party. The second party authenticates the first party by confirming the challenge. The second party sends the MAC and challenge to the third party. The third party decrypts the MAC using a key shared with the first party. When the decrypted MAC matches the challenge, the first party is authenticated to the third party. The process is applicable to transaction processing to limit compromise of payment instrument details.
    Type: Grant
    Filed: September 12, 2018
    Date of Patent: August 20, 2024
    Assignee: Visa International Service Association
    Inventors: Hari Krishna Annam, Selva Ganesh Vasudevan